topic Re: FNBO Evergreen Approval! in Credit Card Approvals

FNBO Evergreen Approval!

RehabbingANDBlabbing — Tue, 09 Nov 2021 02:07:38 GMT

Well I am shocked. I decided to try the FNBO pre-qualifier today after one of my cards reported as paid off, which brought my score up to 686. I put in my info and was pre-approved for $11,600 at 23.99%!!! I submitted the other information and it seems to have been instabtly approved. I know there was something going on a while back with people having to do extra steps. I'm not sure if that will happen here. Can anyone chime in with their experience? This is huge for me because I am very much still in the middle of a rebuild, especially on my Experian report. I have 4 settled chage offs and 1 unpaid one still on there from 2017. Otherwise, I have 3 inquiries, about 20% utilization, and quite a few new accounts. I do have a pretty long history (11 years oldest account and 5 years and 6 months AAoA).

I also tried SoFi again (couldn't verify my identity, which is better than a straight up denial, I had been getting denied for not meeting the minimum score) and BlockFi (denied again for negative accounts).

Re: FNBO Evergreen Approval!

cashorcharge — Mon, 08 Nov 2021 00:48:20 GMT

That's terrific!! Congratulations on your FNBO Approval!! 🥂🎉👏🏻

Re: FNBO Evergreen Approval!

Trini88 — Mon, 08 Nov 2021 00:53:31 GMT

Congrats on your instant approval!

Re: FNBO Evergreen Approval!

CreditMagic7 — Mon, 08 Nov 2021 01:01:29 GMT

Congratulations on your FNBO Evergreen approval!

Re: FNBO Evergreen Approval!

Yasselife — Mon, 08 Nov 2021 01:03:54 GMT

@RehabbingANDBlabbing @Congratulations, profile looking good with that sweet CL.

Re: FNBO Evergreen Approval!

CreditAggie — Mon, 08 Nov 2021 01:55:59 GMT

Congratulations on your FNBO approval!

Re: FNBO Evergreen Approval!

coreyb80 — Mon, 08 Nov 2021 02:00:42 GMT

Congrats on the nice approval!

Re: FNBO Evergreen Approval!

CH-7-Mission-Accomplished — Mon, 08 Nov 2021 03:24:28 GMT

Congrats. Why does it say "pre-qualified" and not "approved". What other documents do they require? Do they require POI for all their cards? Can you fill me in? Thanks.

Re: FNBO Evergreen Approval!

RehabbingANDBlabbing — Mon, 08 Nov 2021 03:34:53 GMT

@CH-7-Mission-Accomplished wrote:
Congrats. Why does it say "pre-qualified" and not "approved". What other documents do they require? Do they require POI for all their cards? Can you fill me in? Thanks.

So I posted the pre-qualified offer pic and the approval screen, as a separate image. It appears I have been approved though. I just got an email from them confirming it was approved and asking me to signup online. I am not sure what the process is if they want to request proof of income. I have heard others say that their app goes into a "pending review" status when that happens. But mine went directly to approved.

Re: FNBO Evergreen Approval!

CYBERSAM — Mon, 08 Nov 2021 03:54:30 GMT

Congrats on your approval! 👍👍

NFBO is great bank and that CC can grow and you can lower APR in the future!

Re: FNBO Evergreen Approval!

mrcraft — Mon, 08 Nov 2021 04:41:32 GMT

Congratulations on your approval!!

Re: FNBO Evergreen Approval!

Total80sKid — Mon, 08 Nov 2021 04:45:36 GMT

Congrats on your FNBO approval 👍🏼

Re: FNBO Evergreen Approval!

Sub16610 — Mon, 08 Nov 2021 04:45:48 GMT

Congratulations on your FNBO Evergreen approval!

Re: FNBO Evergreen Approval!

Anonymous — Mon, 08 Nov 2021 20:07:30 GMT

Congrats for your FNBO approval. Once you received the e-mail from them it is confirmed approved. However, without the card which they will send out you cannot enroll online yet. Once you received the card, you can click on the link ENROLL ONLINE to activate your account. So, you are good and you don't have to call them. Just sit back, relax and wait for the card to arrive.

For Sofi, however it is a bit different. I had a history with them before through the Personal Loan application before the recent credit card application. I just found out the loan was made on 2018. For some some reason I kept thinking about 5 years ago. Like most members here, they always send out the message that they couldn't verify our identity or information. However, in my case they called me to verify me when I was oversea. Once that was processed, they approved the loan without any issue. Even after I paid it off, I am still considered being a member while not having any product with them. I did update my home address on my Sofi account after I moved. Since my information is already in the database, it is easier for them to verify me once I submitted the Sofi credit card application. I couldn't tell you the exact minimum score since they might look into something else.

https://support.sofi.com/hc/en-us/articles/360047175931--What-is-the-minimum-credit-criteria-I-must-meet-to-qualify-for-a-SoFi-Private-Student-Loan-

Most review sites say 680+ but like I said, they are still looking at something else beside the score itself. The good thing is, they are using SP if you are not being approved. You can call them and find out the requirement or verify your identity. Maybe somebody from Sofi could help you. Good luck and congrats for the new FNBO card!

Re: FNBO Evergreen Approval!

Rebuild2019 — Mon, 08 Nov 2021 11:01:29 GMT

Congratulations 🎊🎈🎉 on your FNBO Approval.

Re: FNBO Evergreen Approval!

KatSoDak — Mon, 08 Nov 2021 13:33:07 GMT

Congratulations on your Evergreen card. FNBO is a great bank in my experience, plus their CSRs are pleasant and efficient.

Don't panic if your new card doesn't arrive quickly. I think they are running a couple weeks on mailing cards. I say this because I was notified in mid October that one of my FNBO cards has been upgraded to a Visa Signature and the replacement card has not yet arrived. I called Friday to verify they were issuing a new card and was told yes and the new card was sent on the 26th but that I should give it 10 working days to arrive.

Re: FNBO Evergreen Approval!

gdale6 — Mon, 08 Nov 2021 14:03:45 GMT

Grats on your Evergreen approval

Be sure to ask for rate reductions they will do it after one year.

Re: FNBO Evergreen Approval!

Anonymous — Mon, 08 Nov 2021 15:55:47 GMT

@KatSoDakThank you for that info. I am waiting for my card as well.

Re: FNBO Evergreen Approval!

FalconSteve — Mon, 08 Nov 2021 15:59:38 GMT

Congrats!

Re: FNBO Evergreen Approval!

KingRue8500 — Mon, 08 Nov 2021 21:52:19 GMT

Congrats on your FNBO Evergreen approval